Waypoints Financial provides financial planning, portfolio management for individuals and small businesses, and pension consulting.
Waypoints Financial reports 430 clients. They include 396 individual clients, 32 high-net-worth individuals and 2 charitable organizations. Of its assets, 100.0% ($158M across 648 accounts) are managed with discretion. A wrap fee program the firm both sponsors and manages holds $158M. It advised 1 client without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 92% | 36% |
| High-net-worth individuals | 7% | 63% |
| Charitable organizations | <1% | 2% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 396 | $56.7M | 36.0% | $143K |
| High-net-worth individuals | 32 | $98.6M | 62.5% | $3.08M |
| Charitable organizations | Fewer than 5 | $2.4M | 1.5% | $1.2M |
| Total | 430 | $158M | 100% | — |
- Clients
- 396
- Regulatory AUM
- $56.7M
- AUM share
- 36.0%
- Avg. per client
- $143K
- Clients
- 32
- Regulatory AUM
- $98.6M
- AUM share
- 62.5%
- Avg. per client
- $3.08M
- Clients
- Fewer than 5
- Regulatory AUM
- $2.4M
- AUM share
- 1.5%
- Avg. per client
- $1.2M
Total
- Clients
- 430
- Regulatory AUM
- $158M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 1
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Waypoints Financial charges up to 1.60% a year for its Waypoints Wrap Fee Program. The fee is billed in arrears and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Stand-alone financial planning
- Stand-alone financial planning is a fixed fee of up to $10,000 or an hourly fee of up to $300 per hour, agreed in advance.
John Clark owns 25% to 50% of Waypoints Financial. It has 3 employees.
Leadership
- John ClarkManaging Member and CCO
- Thomas CrutchfieldManaging Member
- Victor DivietroManaging Member
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- Owns 25% to 50% of Waypoints Financial, LLC
John Clark
Control person · since March 2009
- Owns 25% to 50% of Waypoints Financial, LLC
Thomas Crutchfield
Control person · since March 2009
- Owns 25% to 50% of Waypoints Financial, LLC
Victor Divietro
Control person · since March 2009
Waypoints Financial’s regulatory assets grew from $115M (June 2024) to $158M (March 2026); clients were 430 in both filings and employees fell from 6 to 3.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $158M | 430 | 3 | 1 |
| February 2025 | $134M | 398 | 3 | 1 |
| June 2024 | $115M | 427 | 6 | 1 |
Besides its headquarters, Waypoints Financial has 0 offices, with 1 listed address in Florida.
Florida · 1 listed address
- 149 East Center Avenue, SebringHQ
Contact and registration details
- Legal name
- Waypoints Financial, LLC
- Headquarters
- 149 East Center Avenue, Sebring, FL 33870
- Website
- waypointsfinancial.com
- Phone
- 863-402-5650
- SEC file
- 801-130707
- Structure
- Florida LLC
- Fiscal year end
- December
Waypoints Financial uses Charles Schwab ($158M) as custodian for its separately managed accounts. Waypoints Financial has custody of $82.7M in client assets for 176 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $158M100%
At year end, Waypoints Financial’s separately managed accounts were largely in funds (35%) and cash (35%).
What the accounts hold
- Stocks27%
- Funds35%
- Bonds3%
- Cash35%
How many clients does Waypoints Financial have?
Waypoints Financial has 430 clients and manages $158 million for them, as of March 2026. They include 396 individual clients, 32 high-net-worth individuals and 2 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 19 March 2026
What services does Waypoints Financial offer?
Waypoints Financial provides financial planning, portfolio management for individuals and small businesses, and pension consulting.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Waypoints Financial charge?
Waypoints Financial charges up to 1.60% a year for its Waypoints Wrap Fee Program. The fee is billed in arrears and is negotiable.
Source: WAYPOINTS FORM ADV PART 2 BROCHURE, filed 19 March 2026
Which custodians does Waypoints Financial use?
Waypoints Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $158M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 19 March 2026
How many financial advisors does Waypoints Financial have?
Waypoints Financial has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Waypoints Financial invest in?
At the end of its last fiscal year, Waypoints Financial’s separately managed accounts held 35% registered funds (mutual funds, ETFs, BDCs), 35% cash and equivalents, 27% exchange-traded equities and 3% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Waypoints Financial?
Waypoints Financial’s direct owners are John Clark, Thomas Crutchfield and Victor Divietro, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 19 March 2026
How does Waypoints Financial get paid?
Waypoints Financial is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Waypoints Financial?
Waypoints Financial’s main office is at 149 East Center Avenue, Sebring, FL 33870. Its phone number is 863-402-5650. Its website is waypointsfinancial.com.